Written by Chantel DaCosta

Simple Tips on Saving for Life’s Big Purchases

Plant Growing In Savings Coins -

At some point in our lives, we all need to save to purchase items and services that we need and desire. As an adult, there are several major life purchases that require careful budgeting, saving and planning. There are two primary ways to save. The first is to make more money.  And this may mean getting a part-time job, starting a small side business or taking on short-term projects.  These options will create extra income that will go towards saving. The second main way to save money is to cut back on expenses. Spending less will allow you save more from your existing income.

Here are four simple saving tips that can help you meet your money goals.

Set Up Automated Deductions

Each month when you get paid you can save a percentage before you start spending. Popular financial advice is to pay yourself first and then set aside an amount that you save every month. Many money and debt free living experts recommend at least 5% of your monthly salary should be your initial goal. You can start small, and slowly increase the percentage that you allocate to direct savings. Save that money, and leave it alone.

Spend Less

You may already believe that you are feeling the financial pinch and that you are struggling to live within your means, but carefully assess your spending habits. Here are some ways to spend less: consider doing your hair and nails yourself, plan weekly meals and cook instead of dining out, shop at thrift stores, and implement a spending freeze on all non-essentials.  After you have decided on what to cut back on, use that money to make payments on debt or transfer these extra funds to your savings account.

Identify Creative Ways To Make More Money

Most of us already work and our salaries are often designated to pay off debt, cover general bills, secure housing (mortgage or rent) and food, yet sometimes we need more. To make extra money, consider getting a part-time job or starting a small business. These may seem daunting because of the time needed to invest in this. However, a part-time job may help. For example, you may have a personal loan to pay off that you have calculated will take you eight months to repay, so taking on a part-time job for those eight months will help you reach your goal of being debt-free.

Learn How To Invest

Shares, dividends, investment risks, and stock splits…what does all of this mean? It is time to work on your financial literacy. Do your research, and then book an appointment with a stockbroker or portfolio manager. Listen, learn and discuss investment options then start allocating assets. Once you have created an investment plan, stick to it and let it grow.



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